that's what we've seen with obama care and a lot of things. this is for one college and should be emulated if possible because it's working there. >> yes. and other schools can come up with other ways to do t same thing. one of the things as john touched on with the government subsidies it's bloated administrative costs which is why the sticker price for tuition is going up at four times the rate of inflation. that's got to be stopped. this is one way. bless them. you'll see more of this in the future, three years insteadf four years and more on line. the bloat is going one way or the other. >> isn't this better than another taxpayer bailout? >> i say no, don't cut off tuition lending, there isn't enough money in the system to make every dollar of financial aid take the form of a grant. it can't work that way. die like steve's idea that incentives should be realigned. i would like to see every college co-sign any dollar of any loan from the federal taxpayer. >> good luck on that. morgan, is this a good idea? >> i do. i think it's innovative. m